I had an unknown Apple charge on my bank card, but I dont recall this transaction

I had a charge of $200 taken out on 9/16. There was no transactionwhen i checked my apple cash account. It shows up as 1infiniteloop ca. What is going on and how do i get my money back

BCLM wrote:

Two days ago I discovered the exact same problem - $120.00 to "1 Infinite loop CA" - withdrawn from my bank account (debit card) but does not show in my Apple Pay transaction list. My bank says it's Apple Pay's problem - but since the transaction isn't in my Apple Cash there is nothing to report. I have shutdown Apple Cash/Pay - any ideas on how to get the fraudulent charge returned?

Have you reviewed your purchase history?

View your purchase history for the App Store and other Apple media services - Apple Support

If it is not there, then it suggests that your card has been compromised. If you have used your physical card at a terminal, then the card numbers were most likely skimmed. This most commonly happens at gas stations where the scammers have free access to the terminal overnight without any interruptions, but have also been found on ATM machines and retail POS terminals. Scammers use descriptions for the charges that are similar to what you would expect from well known companies so you do not dispute the charges.

As a final check to make sure that the charge is not legitimate, contact Apple directly here:

Contact Apple for support and service - Apple Support

After confirmation that it is not Apple, escalate the matter with the bank. They have specific rules that they must follow when you dispute a charge. If you are just asking about a transaction, you are not disputing the charge, and they do not have to do the work that is required.

https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-a-charge-on-my-credit-card-bill-en-61/

The same thing happened to me in the amount of $2900 over five (5) months. I reported it to Bank of America. At first they said they were my charges or I allowed someone else make the charges. I appealed and asked the customer service rep to document what I had read on line about these fraudulent charges. Without my request, she added to my appeal "that if this is happening across the country, he states it is obvious this is fraudulent and BOA should not have approved the charged. Fortunately, they credited my account the $2900. For once, a big bank did the right thing.

What I suspect happened is your bank card associated with your bank account is compromised and was used to send Apple Cash to the scammer’s Apple Cash account.

The source of the funds is your account, but the recipient is the scammers. That’s why the transaction doesn’t show on your Apple Cash account.

Please contact the fraud department at your bank using the phone number on the back of the card.

You may also want to contact Apple Cash support. Apple Cash is a service that’s administered by Green Dot Bank. Contact an Apple Cash Specialist at Green Dot Bank by calling (877)-233-8552 or by calling 1-800-MY-APPLE

https://applecash.greendot.com/termsconditions/

Charges labeled as from Apple can be anything from media subscriptions on your Apple devices, to and iCloud, or Apple Music, etc. Anything you buy or any subscription you sign up for on your Apple devices if labeled “Apple” in your bank statement. The extra information of this being labeled with “Apple Cash sent money” you would think could only be you sending via Apple Cash. Truthfully nothing like that has ever happened to me, but I’m glad to see it’s been resolved.

Take care!

• Where are you seeing the charge?
• Does it show in your Purchase History?

View your purchase history for the App Store and other Apple media services - Apple Support

• How is it related to the Apple Cash Account when it is not showing any transactions?

Review your past charges using the links in the Apple Support article I linked below. You need to review recent charges to determined that the charge were not accidently made by your or a family member. If you decide they are legitimate please contact Apple Billing Support using the second link.

Request a refund for apps or content that you bought from Apple - Apple Support

Subscriptions and Billing - Official Apple Support

Yes, your credit or debit card may be compromised. Most commonly this occurs when you swipe the card or use the chip at an ATM, gas station, grocery store or restaurant. The data is bundled with personal information obtained from social media and other public sources and sold on the Dark Web. The information is purchased and used to make counterfeit cards and/or added to mobile wallets on Android, Apple and Google devices. Purchases are then made online to test the cards/wallets and the credit limits of the card.

Please contact the fraud department at the bank that issued the bank card that is compromised. The number is usually printed on the back of the physical card.

If you have additional questions I’m happy to answer as many as I can.

Review your past charges using the links in the Apple Support article I linked below. You need to review recent charges to determined that the charge were not accidently made by your or a family member. If you decide they are legitimate please contact Apple Billing Support using the second link.

Request a refund for apps or content that you bought from Apple - Apple Support

Subscriptions and Billing - Official Apple Support

Yes, your credit or debit card may be compromised. Most commonly this occurs when you swipe the card or use the chip at an ATM, gas station, grocery store or restaurant. The data is bundled with personal information obtained from social media and other public sources and sold on the Dark Web by scammers. The information is purchased and used to make counterfeit cards and/or added to mobile wallets on Android, Apple and Google devices. Purchases are then made online to test the cards/wallets and the credit limits of the card.

Please contact the fraud department at the bank that issued the bank card that is compromised. The number is usually printed on the back of the physical card.

If you have additional questions I’m happy to answer as many as I can.

Your debit card attached to your bank account is compromised. Report the fraud to the bank that issued the debit card that was used. They approved the fraudulent transaction.

You’ll need to work through your bank. Without a transaction number or any kind of reference there’s nothing you can do.

Apple Cash accounts are typically locked when you’re a victim of fraud. USAA may be limiting the recovery of funds because it was a debit card. Many banks don’t offer much fraud protection for debit card fraud. If the bank’s decision is final you can file a complaint with Consumer Financial Protection Bureau (CFPB).

https://www.consumerfinance.gov/complaint/

MsMasher wrote:

6/21/24 Apple Cash Sent Money took $985.28 from my checking. I’m just now noticing and it’s not showing up in any of my Apple accounts or cards. I’m beyond upset and my credit union isn’t sure they can get it back.

Also contact Green Dot Bank that manages Apple Cash:

Contact Green Dot Bank by calling (877) 233-8552

It is also not ususual for scammers to use common descriptions for fraudulent charges. This can happen if you use your physical card at a retail terminal that has a skimmer/shimmer installed. It is very common at gas stations where the scammers have all night to install them with little interruption.

Between the two contacts you should be able to get more details about the transaction such as if it came from your device where it was authorized with FaceID/Passcode or if the Apple Cash virtual card numbers were manually entered.

This also happend to me, someone attempted to send the amount of 168.39 from my credit karma debit card with 0 balance so it declined then they tried 161.39 and that also declined neither of them i got notifications for. the date of these were 9/29/24 then they moved to my chase debit card which does have money on it and they successfully made a transaction for 168.39 it wasn't until yesterday i realize this and made my claim with my bank i got my money back but chase let me know that no future chase debit card can be used with my apple wallet. And then today i get an email from apple telling me because i disputed the charge i will never be allowed to receive or send money using apple pay. Im so confused on how the heck this even happend. Also i have no clue who this money was sent to i have no info on any recipient. Or destination the only bit of info i have is from chase and it says “APPLE CASH SENT MONE1INFINITELOOP CA” how can this be my fault and why am i getting the short end of the stick. This is clearly an on going issue with apple and their security, if this is happening to multiple people then this cant be an end user issue. Im extremely frustrated with how apple is handling this issue.

I had a charge of$165 taken out of my bank. I’ve never ever used Apple Cash. I’ve never even signed in to Apple wallet cash. I filed for a refund and they denied my request and I don’t know why!

My money was taken fraudulently and I’m fining a grievance against this. I want my money back.

Hd2harley wrote:

I had a charge of$165 taken out of my bank. I’ve never ever used Apple Cash. I’ve never even signed in to Apple wallet cash. I filed for a refund and they denied my request and I don’t know why!

My money was taken fraudulently and I’m fining a grievance against this. I want my money back.

Sounds like your bank card has been compromised. This happens when the physical card is used on a terminal that has a skimmer/shimmer installed to read your account numbers. It frequently occurs at gas stations where the scammer has all night to install the device with little interruption, but of course can happen anywhere. The scammer than adds your account number to a phone and sets up Apple Cash to transfer money. Your bank is the one that approved the scammer to add your card to the device and is also the one that approves the transaction. Apple has no information about the account holder of the card being added so has no way to approve it, that is why the bank is responsible for approving/denying the card. You will need to deal with your bank to secure your account and dispute any charges. If they do not assist, there are consumer agencies you can use to file a complaint.